🧐See what makes up your credit score—and what could impact it.

Start monitoring your credit score for free today.

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Log in ›     Haunted houses, spiders, understanding your credit score…one of these things doesn't have to be as scary as the others. We're here to help.     What makes up a credit score?     There are three different types of credit scores that are all very similar. Our credit score monitoring uses VantageScore 3.0, which depends on six key factors:     How could you impact your credit score?     • Make on-time payments. This is the top factor in your score—and can help you avoid late fees. Win-win! • Pay down revolving account balances. Keeping your credit utilization ratio below 30% is ideal. • Keep your oldest accounts open. Closing your oldest credit cards shortens your credit history. • Diversify your credit types. A diverse mix of loan types could show lenders you can manage different types of credit. • Limit new credit applications. When you apply, lenders make a hard inquiry on your credit report that temporarily lowers your score. • Check your credit report. Check your credit report for errors and dispute any inaccuracies. • Become an authorized user. If someone else makes you an authorized user on their credit card, it could reflect well on you.     See more strategies for building credit and start keeping tabs on your credit score with free credit score monitoring, weekly score updates, and personalized insights. (You're on your own with the ghosts, though, sorry).     Track your credit score     Psst…signing up won't impact your credit score.†       Have questions? Contact us   Download the SoFi app   †To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.'s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi's Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings. You must confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the "Processing Agent") data. Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history, or credit rating. For details, see the FTC's website on credit. Screen images simulated. For illustrative purposes only. Social Finance, LLC. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us. Unsubscribe Privacy Policy Licenses Social Finance, LLC. 234 1st Street, San Francisco, CA 94105 © 2025 Social Finance, LLC. All rights reserved. w: 2328918 RL25-2263202-B